Hello, if it is our credit card, we will receive a refund from the merchant after full repayment. In this case, there will be overpayment and you can take it out.

When the amount deposited in the credit card exceeds all debts under the account, the extra money is called "overpayment" and will be automatically deducted from the credit card consumption.

Cardholders can also call our credit card service hotline and collect the overpayment by transferring the money to the debit card in their own name. The account name and ID number of the debit card used must be the same as the account name and ID number of the credit card, and only China Merchants Bank Card is accepted for the overpayment of USD.

Handling fee for recovering the overpayment: 0.5% of the recovered amount, with the lowest 5 yuan RMB or USD 65,438+0 and the highest 50 yuan RMB or USD 65,438+00.

Note: If the overpaid part is withdrawn through the cash advance channel, the cash advance fee will be charged.